Recently i had applied for a car loan through icici bank which was rejected on the basis of
my cibil report. I made some settlemtnts in past against credit cards and loans as i had a
really tough time then. Even after these settlements i got a car loan from icici bank which
has been repayed by me in time. I wonder why my fresh loan this time is rejected by icici bank
on the basis of those previous settlements which now appear in my cibil report. It means if
someone has gone through a bad phase he would never be allowed to overcome it. How can
i clear off my name from the cibil.....i chased all concerned loan granters with all prooves
but nobody listened and helped.

Kindly share the soft copy of CIBIL report and the settlement letter, so that we can guide you accordingly.

Hi,

We are sorry to hear about your experience. Please write in to us with your contact details at care@icicibank.com and we shall get back to you at the earliest. Kindly refer "572667" in the subject line.

Regards,
ICICI Bank Customer Service Team.

I am a 19 year old student and i am going to go in uk this september(2010).I have applied to bank of baroda for my education loan for higher studies.My each and every academic record uptill now is significant(Distinction).My dad had not payed to the axis bank tht is something around 6000 rs.Nw its in the CIBIL REPORT...i have also payed the 6000 to the bank.....still they have not cleared the Name frm the CIBIL.THe bank is also rejected the 4,00,000 loan of mine inspite of being my documents all clear...They are not giving me lone n i think because of them i wont be able to go to uk for which i have payed the fees and I will suffer...this is very touching to me and can affect my carrier...can any one suggest me wht options i have coz i have very less time to apply for visa so i want my loan be sanction from bank of baroda...pls help me...

Dear Sir/Madam,

Greetings!!!

I am Munish Kaushik, working in an NGO in the field of “Disaster Management” and based in Ghaziabad/New Delhi. This communiqué is regarding harassment from Credit Card companies which has affected my wife’s education loan process as I was guarantor for her. This may be a routine problem received by you, but I have faced lot of embarrassment in last few weeks.

1. I was holding ICICI (American Express) card 377041510751000 validity 02/07 to 02/011. But I stopped suing this card two years back and settled all my dues by paying INR 2232 on 27th March 2008. But even after paying all my dues, I kept getting statement which they later stopped after my repeated complaints at customer care.

2. Second case, is very peculiar. I applied for SBI credit card but never received it. Strangely, I started receiving credit statements (Credit card no 5264685324555380) without using the card. This kept happening for One year and after One year (June 2010), SBI stopped sending me the statement again after my many requests to their customer care.

Now, when I applied for my education loan two weeks back, bank refused to lend me loan as I was found defaulter in CIB(I)L records. That was the time of utter surprise for me and highly embarrassing position in front of bank people as my other records (IT Return, form 16, Bank statement, Salary slip) were perfect and in order.

I have followed up this issue with both the banks (ICICI and SBI) and obtained NO OBJECTION letter and INR 0 amount due certificates. Please find attached along with this mail. But still my name is in DEAFAULT list. Attached pdf file may ask for password which is **** (please mail me if you want).

I request to please look into the matter at the earliest. My wife have to apply for Visa after two weeks. This issue is of extreme important for me at this moment. I have consulted my lawyer and going to give legal notices to ICICI and SBI next week.

Please suggest/process so that I get my records clean in Credit Card/CIB(I)L records. My PAN Number is AJGPK 8251Q .

Address:
R-14/73, Raj Nagar, Ghaziabad
PAN No: AJGPK 8251Q
Mobile No. +91-9810374846

Hi Munish,

We have made a note of your complaint and will get in touch with you at the earliest.

Regards,
ICICI Bank Customer Service Team.

Advocate richa,
all bank opted facility and filing customer lone reportst to cibile ,if any one can take misuse of recored after issue of clarance certificate (noc,ndc)from the bank and not to inform to cibile in time and customer has to suffer long journey to get clarance form bank and the cibil. At this junctuer can we file creminal prociding on bank and cibil? Can you suggest.
S m shah

hi
i apllied for car loan but my loan get declined from axis bank and icici bank ,the reason behind is this that u have cibil problem ,but when i asked my cibil score or cilbil statement then there is no answer,i registerd myself in cibil nd paid rs142 amount for cibil statement bt i not get any statement .

i just remember that i have 2credit card settlements nd for which i have settlement letters.i m not having anykind of loan which i have to pay

please help me out in this matter nd tell me how can i improve my cibil or clear my cibil.....


from
arvinder singh
9811453008
arvinderavee@gmail.com

This is your intimad my loan is closs any that my name is cebil suarch

DEAR FRIEND,
Please contact us: dr.soans at allied law : 09245201687

Vinoth,

I have taken the Personal loan for 20 thousand in 2008..and my ECS got bounced by 8 times..and i have payment full settlement with waiver off and got the NOC in the Bank.
I have taken Durable loan for 15 thousand in 2009 and My ECS got bounced by 6 times and payment done with full settlement and got the NOC in the bank..

Now i have NOC with me for the two loans.. Its is possible to get the home loan from the bank..My Gross is 28 K...Pls can any suggest me.. for getting the home loan